Solutions for Individuals and Families

Financial Strategies Report

This service takes you through a structured process of questioning to determine your family's needs in the areas of emergency funds, retirement, college funding, loss of income due to death or disability and any other specific accumulation goals or needs. Your current financial position is then established and compared to your stated needs. Finally recommendations are made to help you start a structured plan of implementing solutions.

Goal Specific ReportThis service focuses on a specific goal such as retirement, college funding, needs analysis for survivor income.

Estate Analysis ReportThis service helps you determine your estate transfer expenses, including Federal and State estate taxation. It can help you determine the affect of a variety of estate transfer techniques (e.g.. trusts) and expense savings available through use of these techniques.

InvestmentsThis service helps you to develop an appropriate asset allocation model based on your personal volatility tolerance. This helps you to maximize your rate of return while keeping risk at levels that are personally tolerable.

Retirement PlanningThis service helps retirees to structure their portfolios to maintain an increasing income stream to offset inflation while not outliving their income stream. This service also helps persons seeking early retirement (prior to age 59Ã‚Â½) to realize an income stream from their retirement plans without having to pay the Federal 10% penalty tax.

While this communication may be used to promote or market a transaction or an idea that is discussed in the publication, it is intended to provide general information about the subject matter covered and is provided with the understanding that Richard Orbis is not rendering legal, accounting, or tax advice. It is not a marketed opinion and may not be used to avoid penalties under the Internal Revenue Code. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, or accounting obligations and requirements.

This site is not a solicitation of interest in any of these products in any other state.

IMPORTANT CONSUMER INFORMATION:

Richard Orvis and Wes Wadkins III may only transact business in a particular state after licensure or satisfying qualifications requirements of that state, or only if they are excluded or exempted from the state's registration requirements. Follow-up, individualized responses to consumers in a particular state by Richard Orvis and Wes Wadkins III that involve either the effecting or attempting to effect transactions in securities or the rendering of personalized investment advice for compensation, as the case may be, shall not be made without first complying with the state's requirements, or pursuant to an applicable state exemption or exclusion. For information concerning the licensure status or disciplinary history of a broker-dealer, investment adviser, BD agent or IA representative or any financial institution he represents, contact your state securities law administrator.

Insurance products from the Principal Financial Group® are issued by Principal National Life Insurance Company (except in New York), Principal Life Insurance Company, and the companies available through the Preferred Product Network, Inc. Securities and advisory products offered through Principal Securities, Inc., 800/247-1737, member SIPC. Principal National, Principal Life, the Preferred Product Network, and Principal Securities are members of the Principal Financial Group®, Des Moines, IA 50392. Richard Orvis and Wes Wadkins III, Principal National and Principal Life Financial Representative, Principal Securities Registered Representative, Financial Advisor. Orvis & Wadkins Financial Advisors, LLC is not an affiliate of any company of the Principal Financial Group.

Principal Life maintains certificates of authority to transact insurance in all 50 states. Principal Life NAIC identification number is 61271. Principal National NAIC identification number is 71161.